656 E Main St, Lexington, KY 40508 Property Records

Lexington-Fayette Urban County property record for 656 E Main St, Lexington, KY 40508

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,993 sqft · built 1950
Lot Size	0.209 acres (9,087 sqft)
Owner	Company Name on Record
Last Sale	$1,375,000 (Dec 2025)
Tax Bill	$17,322 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2025 Sale & Mortgage + 1 more
APN	`15556550`

Property Details

APN / Parcel Number

Primary APN	`15556550`

Interior

Stories	2 Stories
Building Area	4,993 sqft Total Area
Basement Area	2,597 sqft
Unfinished Basement	2,597 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick Veneer
Lot Area	9,087 sqft (0.209 acres)
Lot Width	58.5 ft Width

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	656 E MAIN ST
City	LEXINGTON
State	KY
Zip	40508-2378
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	B-1
Legal Description	B-392 LEX U R C D A LOT; BOOK: 1422 PAGE: 127
Legal Subdivision	LUTIE F RUE ESTATE
Legal Lot Number	1
Jurisdiction	FAYETTE KY
Township / Civil Division	LEXINGTON-FAYETTE CENTRAL
Census Block Group	3
Census Block	3010
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Woodlands Historic District listed 1983 · 222 contributing resources · NRIS 83002771

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lexington-Fayette Urban County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3228 SUMMIT SQUARE PL, 180, LEXINGTON, KY 40509-2637
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage CUMBERLAND VALLEY NATIONAL BANK & TRUST
Dec 19, 2025	Deed, Transfer · Commercial Mortgage SOUTH CENTRAL BANK
Jul 10, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	2025159
Deed Book / Page	4169 / 61
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE KY
Property Address	656 E MAIN ST, LEXINGTON, KY 40508-2378
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000579/423
Date	Dec 20, 2022
Book Page	0579/423

Lender

Name	CUMBERLAND VALLEY NATIONAL BANK & TRUST

Agreement

Amount	Amount Recorded

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Dec 19, 2025
Property Address	656 E MAIN ST, LEXINGTON, KY 40508-2378
Document Number	0DB4169/61
Book / Page	DB 4169 / 61
Map Reference	CAB A SL 687
Instrument Date	Dec 19, 2025
Instrument	202512190159
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	238 HENRY CLAY BLVD, LEXINGTON, KY 40502-1634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 SUMMIT SQUARE PL, LEXINGTON, KY 40509-2639

Mortgage

Document Number	MB11126273
Date	Dec 19, 2025
Instrument	MB 11126/273

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Dec 19, 2028

Interest

Rate Type	Adjustable Rate

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE KY
Recording Date	Jul 10, 2025
Property Address	656 E MAIN ST, LEXINGTON, KY 40508-2378
Document Number	DB4140/698
Book / Page	DB 4140 / 698
Map Reference	CAB A SL 687
Instrument Date	Jul 9, 2025
Instrument	202507100020
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1034 SERENITY CIR, NICHOLASVILLE, KY 40356-7025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 HENRY CLAY BLVD, LEXINGTON, KY 40502-1634

Tax Assessment & Valuation

Source: Lexington-Fayette Urban County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Municipality	Lexington-Fayette Urban County
Unified School District	Fayette County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,322.00 (+110.65%)	$1,375,000 (+106.77%)	$1,375,000 (+106.77%)
2025	$8,223.00	$665,000 (-)	$665,000 (-)
2023	$8,223.00	$665,000	$665,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–1984)
Most Recent Claim	May 1984 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 541 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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